Nutun Limited · JSE:NTU
Nutun — Transaction Capital — HY21 Earnings Presentation
6 slides from Nutun's earnings presentation, Oct 26, 2021
Slide 1: Defensively positioned in a challenging consumer credit environment
DEFENSIVELY POSITIONED IN A CHALLENGING CONSUMER CREDIT ENVIRONMENT MACRO- & SOCIO-ECONOMIC ENVIRONMENT PLACING PRESSURE ON CONSUMERS | COVID-19 WILL ADVERSELY IMPACT CONSUMER CREDIT SECTOR FURTHER ELEVATED LEVELS OF UNEMPLOYMENT Overdue debt balances continue to increase7 million • % (Q4 2020³ ) Hi
Slide 2: Transaction Capital's Consumer Credit Rehabilitation Index (CCRI)
TRANSACTION CAPITAL’S CONSUMER CREDIT REHABILITATION INDEX (CCRI) CONSUMER’S PROPENSITY TO REPAY DEBT DETERIORATING WITH WEAK ECONOMIC CONDITIONS EXACERBATED BY COVID-19 SOUTH AFRICA’s NATIONAL CONSUMER CREDIT REHABILITATION PROSPECT TRENDS | QUARTER ON QUARTER Percentage change (%) ▲ ▲ ▼ ▲ ▼ No ▼ ▼
Slide 3: Australian consumer credit environment
AUSTRALIAN CONSUMER CREDIT ENVIRONMENT AUSTRALIAN CONSUMER EMPLOYED BUT HIGHLY LEVERAGED AUSTRALIAN DEBT COLLECTION ENVIRONMENT • 5.6% unemployment | ▼to pre-pandemic levels (April 2021) • Historically low interest rates & higher property prices drive credit extension • Predominantly employed, but s
Slide 4: Diversification by business activity, revenue model, geography, sector, client and mandate
BY BUSINESS ACTIVITY, REVENUE MODEL, GEOGRAPHY, SECTOR, CLIENT & MANDATE BUSINESS ACTIVITIES ~ % ~ < COLLECTION SERVICES DIVERSIFICATION Contingency & FFS Australia Other NPL Portfolios as principal 25% 1% Australia 4% 4 Contingency & FFS 3 115 17% SA 70 SA REVENUE SA 71% GEOGRAPHIES¹ 28% CLIENTS MO
Slide 5: Competitive advantages: TCRS's proprietary data, analytics and performance
COMPETITIVE ADVANTAGES TCRS’s PROPRIETARY DATA • Database of SA’s distressed consumers • Continuously enriched (with collection & ContactAbility results) ANALYTICS REPUTATION OF PERFORMANCE • Predictive & layered voice analytics to determine: • Only local listed industry participant › Propensity to
Slide 6: Master Data Universe and its applications
COMPETITIVE ADVANTAGES OTHER DATA SOURCES Data from • Opportunity to Data is current, relevant CREDIT such as the PRINCIPAL monetise data Enriching the data creates an exponential effect on efficiency BUREAU & accurate as per: Department of Home Affairs PORTFOLIOS • POPI compliant in contactability,